{"id":41061,"date":"2025-08-20T10:38:59","date_gmt":"2025-08-20T10:38:59","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/?page_id=41061"},"modified":"2026-03-24T14:25:07","modified_gmt":"2026-03-24T14:25:07","slug":"business-claims","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/insurance-claims\/business-claims\/","title":{"rendered":"Making a Business insurance claim"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull has-no-margin hero-bg has-global-padding is-layout-constrained wp-block-group-is-layout-constrained has-background\" style=\"padding-top:var(--wp--preset--spacing--150);padding-bottom:var(--wp--preset--spacing--150);background-image:url(&apos;https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/12\/SwooshBackgrounds_Core_Wave6.png&apos;);background-position:50% 50%;background-size:cover;\">\n<h1 class=\"wp-block-heading has-text-align-center has-azure-200-color has-text-color has-link-color has-max-huge-font-size wp-elements-4446f1b4f787a34571c2524c670d2b9e\" id=\"h-making-a-business-insurance-claim\">Making a business <br>insurance claim<\/h1>\n\n\n\n<p class=\"has-text-align-center has-white-color has-text-color has-link-color has-medium-font-size wp-elements-3f099f9f1f6d497ba0ae63b911936f92 wp-block-paragraph\" style=\"line-height:1.7\">We\u2019ll help you get back on track<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--70);padding-bottom:var(--wp--preset--spacing--70)\">\n<div class=\"wp-block-columns alignwide are-vertically-aligned-top is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-4-columns\">\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-400-color has-text-color has-link-color wp-elements-c5725c1c5dc0b78eaa7e667165a30ecb wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-azure-400-color\"><a href=\"#h-business-insurance-claims\">Business insurance claim<\/a><\/mark><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-400-color has-text-color has-link-color wp-elements-42beffcacf6edd07938c65c46da7e51b wp-block-paragraph\"><strong><a href=\"#h-what-you-ll-need-to-make-a-business-insurance-claim\">What you\u2019ll need<\/a><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-400-color has-text-color has-link-color wp-elements-cbf229192549a1194d2f196b0233e6ac wp-block-paragraph\"><strong><a href=\"#h-our-simple-four-step-process\">4-step claims process<\/a><\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-azure-400-color has-text-color has-link-color wp-elements-439460d738c87d8934df3704d0b56dfe wp-block-paragraph\"><strong><a href=\"#h-reasons-why-some-business-insurance-claims-are-rejected\">Why are claims rejected?<\/a><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull cta-cards has-azure-600-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-8fe836d8 wp-block-group-is-layout-constrained\" style=\"border-top-style:none;border-top-width:0px;border-right-style:none;border-right-width:0px;border-bottom-color:var(--wp--preset--color--azure-300);border-bottom-width:1px;border-left-style:none;border-left-width:0px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--140);padding-right:0;padding-bottom:var(--wp--preset--spacing--140);padding-left:0\">\n<h2 class=\"wp-block-heading alignwide has-text-align-center has-white-color has-text-color has-link-color wp-elements-bb6d1a90a8d7d0063e4133e71ac28eca\" id=\"h-before-you-get-in-touch\" style=\"padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">Before you get in touch<\/h2>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-43c9c2a8 wp-block-columns-is-layout-flex has-4-columns\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-column has-white-color has-text-color has-link-color wp-elements-49604a01fb47cfdc1262e561b7f9d2b7 is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-boxed has-border-color has-azure-300-border-color has-white-background-color has-background has-full-height is-vertical is-layout-flex wp-container-core-group-is-layout-cb4ee4d8 wp-block-group-is-layout-flex\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-6226084c wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<figure class=\"wp-block-image size-full is-resized\" style=\"margin-top:0;margin-bottom:0\"><img loading=\"lazy\" decoding=\"async\" width=\"41\" height=\"41\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/Asset-6.webp\" alt=\"\" class=\"wp-image-41108\" style=\"object-fit:contain;width:32px;height:32px\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-azure-600-color has-text-color has-link-color has-medium-font-size wp-elements-e9faa22ae723b568c358d3c3b68e2a5d wp-container-content-9cfa9a5a\" id=\"h-damage-control\" style=\"margin-top:var(--wp--preset--spacing--30);margin-right:0;margin-bottom:var(--wp--preset--spacing--30);margin-left:0;line-height:1.2\">Damage control<\/h3>\n\n\n\n<p class=\"card-boxed__content has-azure-700-color has-text-color has-link-color has-xsmall-font-size wp-elements-139750397deb9030f8df1a5e94a3ba34 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--40);line-height:1.4\">Do what you can to stop further damage (if there is any) and reduce the risk of the claim getting worse.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-b2a27621 wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-group card-boxed has-border-color has-azure-300-border-color has-white-background-color has-background has-full-height is-vertical is-layout-flex wp-container-core-group-is-layout-cb4ee4d8 wp-block-group-is-layout-flex\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-72d38984 wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<figure class=\"wp-block-image size-full is-resized\" style=\"margin-top:0;margin-bottom:0\"><img loading=\"lazy\" decoding=\"async\" width=\"38\" height=\"41\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/Asset-4-1.webp\" alt=\"\" class=\"wp-image-41104\" style=\"object-fit:contain;width:32px;height:auto\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-azure-600-color has-text-color has-link-color has-medium-font-size wp-elements-32780e98a9dc8272d63490e4ce4726a7 wp-container-content-9cfa9a5a\" id=\"h-check-your-coverage-and-excess\" style=\"margin-top:var(--wp--preset--spacing--30);margin-right:0;margin-bottom:var(--wp--preset--spacing--30);margin-left:0;line-height:1.2\"><strong>Check your coverage and excess<\/strong><\/h3>\n\n\n\n<p class=\"card-boxed__content has-azure-700-color has-text-color has-link-color has-xsmall-font-size wp-elements-dd80d4f29ef0323cddd69b7d04814b57 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--40);line-height:1.4\">Read your policy documents to check your excess and what you\u2019re covered for.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-container-core-column-is-layout-b2a27621 wp-block-column-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-group card-boxed has-border-color has-azure-300-border-color has-white-background-color has-background has-full-height is-vertical is-layout-flex wp-container-core-group-is-layout-cb4ee4d8 wp-block-group-is-layout-flex\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-72190d31 wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<figure class=\"wp-block-image size-full is-resized\" style=\"margin-top:0;margin-bottom:0\"><img loading=\"lazy\" decoding=\"async\" width=\"41\" height=\"40\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/Asset-1-copy.webp\" alt=\"\" class=\"wp-image-41101\" style=\"aspect-ratio:1;object-fit:contain;width:32px;height:auto\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-azure-600-color has-text-color has-link-color has-medium-font-size wp-elements-ac7802271cf2c32dd52ff73c64a2b167 wp-container-content-9cfa9a5a\" id=\"h-understanding-claim-rejections\" style=\"margin-top:var(--wp--preset--spacing--30);margin-right:0;margin-bottom:var(--wp--preset--spacing--30);margin-left:0;line-height:1.2\"><strong>Understanding claim rejections<\/strong><\/h3>\n\n\n\n<p class=\"card-boxed__content has-azure-700-color has-text-color has-link-color has-xsmall-font-size wp-elements-3ee85891faa2373bf8e6b7905b0fab0c wp-block-paragraph\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--40);line-height:1.4\">Read our reasons why some business insurance claims are rejected.<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group card-boxed has-border-color has-azure-300-border-color has-white-background-color has-background has-full-height is-vertical is-layout-flex wp-container-core-group-is-layout-cb4ee4d8 wp-block-group-is-layout-flex\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-72190d31 wp-block-group-is-layout-constrained\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<figure class=\"wp-block-image size-full is-resized\" style=\"margin-top:0;margin-bottom:0\"><img loading=\"lazy\" decoding=\"async\" width=\"41\" height=\"40\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/Asset-5-1.webp\" alt=\"\" class=\"wp-image-41105\" style=\"object-fit:contain;width:32px;height:32px\"\/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading has-azure-600-color has-text-color has-link-color has-medium-font-size wp-elements-82c2a13e402e599e93542421ca3ac902 wp-container-content-9cfa9a5a\" id=\"h-get-a-crime-reference-number\" style=\"margin-top:var(--wp--preset--spacing--30);margin-right:0;margin-bottom:var(--wp--preset--spacing--30);margin-left:0;line-height:1.2\"><strong><strong>Get a crime reference number<\/strong><\/strong><\/h3>\n\n\n\n<p class=\"card-boxed__content has-azure-700-color has-text-color has-link-color has-xsmall-font-size wp-elements-9d9c3ebb51cac210709bcb1ad097c043 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--40);line-height:1.4\">Call the police and get a crime reference number if the damage was caused maliciously or intentionally.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80)\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-3a1979dd wp-block-columns-is-layout-flex has-2-columns\" style=\"margin-top:var(--wp--preset--spacing--90);margin-bottom:var(--wp--preset--spacing--90)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"635\" height=\"389\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/Artboard-1-7.webp\" alt=\"\" class=\"wp-image-41222\" style=\"object-fit:cover;width:506px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/Artboard-1-7.webp 635w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/Artboard-1-7.webp?resize=150,92 150w\" sizes=\"auto, (max-width: 635px) 100vw, 635px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top has-border-color has-azure-300-border-color is-layout-flow wp-block-column-is-layout-flow\" style=\"border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\n<h2 class=\"wp-block-heading has-text-align-left has-azure-700-color has-text-color has-link-color wp-elements-7ae3c96bcf3fe2adf8e34c8c076fc581\" id=\"h-business-insurance-claims\"><strong>Business insurance claims<\/strong><\/h2>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-335d9f4b2ee2dbfdcdd132c750abbde8 wp-block-paragraph\">Start a business insurance claim here. Using our simple form, you can make a claim online, and our UK-based specialist team at Sedgwick will give you a call back.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-29576355 wp-block-buttons-is-layout-flex\" style=\"padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/intake.sedgwick.com\/u\/SimplyBusiness\/SBEnol\" rel=\"noopener noreferrer\" target=\"_blank\">Make a claim<\/a><\/div>\n\n\n\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/api.uk.mysedgwick.com\/Identity\/Account\/Login?ReturnUrl=%2Fconnect%2Fauthorize%2Fcallback%3Fresponse_type%3Did_token%2520token%26client_id%3Dmysedgwick-spa%26state%3DUmlMT1Q3TGhTeDlrSUVZZEduWmwxNDhGLkJPRk5GS2Q4c2hZd1FWdGJOLXhF;%25252Fdashboard%26redirect_uri%3Dhttps%253A%252F%252Fuk.mysedgwick.com%252F%253FclientCode%253DAGESB%26scope%3Dopenid%2520profile%2520email%2520mysedgwick-backend%26nonce%3DUmlMT1Q3TGhTeDlrSUVZZEduWmwxNDhGLkJPRk5GS2Q4c2hZd1FWdGJOLXhF%26clientCode%3DAGESB\" rel=\"noopener noreferrer\" target=\"_blank\">Track a claim<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"has-text-align-left has-neutral-700-color has-text-color has-link-color wp-elements-743ff9dce305c610f32402e3748f505c wp-block-paragraph\">Call Sedgwick now on: <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"24\" height=\"24\" fill=\"none\" viewBox=\"0 0 24 24\"><path fill=\"#6B5BE0\" d=\"m13.875 17.656-1.25-.703a13.77 13.77 0 0 1-5.078-5.078l-.703-1.25 1.015-1.016L9.15 8.32 7.702 4.648l-3.828.665c.156 8.398 6.914 15.156 15.313 15.312l.664-3.828-3.672-1.445-1.29 1.289zm1.875-4.531 6.25 2.5-1.25 6.875H19.5C9.813 22.5 2 14.688 2 5V3.75L8.875 2.5l2.5 6.25-2.187 2.188a11.76 11.76 0 0 0 4.374 4.374z\"\/><\/svg><strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-azure-500-color\">0333 207 0560<\/mark><\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-no-margin hero has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--60);padding-top:var(--wp--preset--spacing--110);padding-bottom:var(--wp--preset--spacing--110)\">\n<h2 class=\"wp-block-heading alignwide has-text-align-center has-azure-700-color has-text-color has-link-color wp-elements-f5ab38be28ceb813dcdab29f2b642341\" id=\"h-what-you-ll-need-to-make-a-business-insurance-claim\">What you\u2019ll need to make a business insurance claim<\/h2>\n\n\n\n<div class=\"wp-block-group alignwide has-white-color has-text-color has-link-color wp-elements-ca2db20aeb34bb5904c8b6d246b6c414 has-global-padding is-content-justification-left is-layout-constrained wp-container-core-group-is-layout-12dd3699 wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-container-core-group-is-layout-3c46939c wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:0;padding-bottom:var(--wp--preset--spacing--30);padding-left:0\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-4-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40px\">\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"57\" height=\"57\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/Artboard-15-copy-5-3.webp?w=57\" alt=\"\" class=\"wp-image-41146\" style=\"width:40px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-azure-600-color has-text-color has-link-color wp-elements-5e46e5f7501112c91cdb258686a0869e\" id=\"h-personal-details\">Personal details<\/h3>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color wp-elements-6975c6e74261f3f6f0a9cbb3118b3ed6 wp-block-paragraph\">Provide us with your personal details (such as your address) and your policy details, including policy number.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40px\">\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"56\" height=\"57\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/Artboard-15-copy-4.webp?w=56\" alt=\"\" class=\"wp-image-41134\" style=\"width:40px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-azure-600-color has-text-color has-link-color wp-elements-22d6c616a69ccda8604c4fbefff8a334\" id=\"h-supporting-evidence\"><strong><strong><strong><strong><strong><strong>Supporting evidence<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color wp-elements-2e3779f1918c284dd829d0e50aae9b42 wp-block-paragraph\">Provide supporting evidence for your claim, such as photos of all the damage and a quote for repairs (if relevant\/applicable).<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-4-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40px\">\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"57\" height=\"57\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/Artboard-15-copy-6.webp?w=57\" alt=\"\" class=\"wp-image-41133\" style=\"width:40px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-azure-600-color has-text-color has-link-color wp-elements-3b92c9f71d67bf0d7903bf520cbedcf8\" id=\"h-claim-details\">Claim details<\/h3>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color wp-elements-b329d78221c8ff259581078a2ba38b83 wp-block-paragraph\">Tell us what you want to claim for, such as property damage.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40px\">\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"56\" height=\"57\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/Artboard-15-copy-3.webp?w=56\" alt=\"\" class=\"wp-image-41136\" style=\"width:40px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading has-azure-600-color has-text-color has-link-color wp-elements-6b79b98fc64163077cad0eaffb8b7ffb\" id=\"h-crime-reference-number\"><strong><strong><strong><strong><strong><strong>Crime reference number<\/strong><\/strong><\/strong><\/strong><\/strong><\/strong><\/h3>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color wp-elements-27e803191182d16434b3eaa762e5f52f wp-block-paragraph\">Provide us with a crime reference number if you\u2019ve reported the incident to the police and want to make a claim for theft or malicious damage.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" id=\"process\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-570ff715 wp-block-columns-is-layout-flex has-2-columns\" id=\"Process\" style=\"padding-top:var(--wp--preset--spacing--130);padding-bottom:var(--wp--preset--spacing--130)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" id=\"four-step-process\">\n<h2 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color wp-elements-b474469763056112e34697e5a68eac00\" id=\"h-our-simple-four-step-process\">Our simple four-step process<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<ul class=\"wp-block-list is-style-stepper\">\n<li class=\"wp-block-list-item\"><strong>Contact us\u2028<br><\/strong>Contact us as soon as possible to let us know what\u2019s happened. You can do this <a href=\"https:\/\/intake.sedgwick.com\/u\/SimplyBusiness\/SBEnol\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>online<\/strong><\/a>, or by phone on <strong><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-azure-500-color\">0333 207 0560 <\/mark><\/strong>if you\u2019d prefer to speak to someone.<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>Fill in the gaps<br><\/strong>A dedicated claims handler will work with you to find out the finer details of your claim. We know that claiming can be stressful, and the team will guide you in the right direction.<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>Review your claim<br><\/strong>You\u2019ll then need to send any necessary supporting documentation via our online claims portal, where you can upload documents and photos to help us process your claim. Speak to a claims handler and \u2013 depending on the type of claim \u2013 you\u2019ll be given access to our claims tracking tool.<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>Decision<br><\/strong>Once we have all of the details, your claim will be reviewed. If you decide to use a supplier appointed by your insurer, you\u2019ll usually be required to pay the excess and then organise a time for the work to be completed. In this situation, you won\u2019t receive a settlement. <br><br>If you use a contractor of your choice, you\u2019ll receive a settlement which you can use to pay for the work to be completed. After a settlement is agreed, you\u2019ll usually receive a BACs or CHAPS transfer within 24 working hours.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80);padding-top:var(--wp--preset--spacing--10);padding-bottom:var(--wp--preset--spacing--10)\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-3a1979dd wp-block-columns-is-layout-flex has-2-columns\" style=\"margin-top:var(--wp--preset--spacing--90);margin-bottom:var(--wp--preset--spacing--90)\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\">\n<figure class=\"wp-block-image size-full is-style-default\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"480\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Artboard-1@0.5x.webp\" alt=\"\" class=\"wp-image-48703\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Artboard-1@0.5x.webp 720w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/Artboard-1@0.5x.webp?resize=150,100 150w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-top has-border-color has-azure-300-border-color is-layout-flow wp-block-column-is-layout-flow\" style=\"border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\n<h2 class=\"wp-block-heading has-text-align-left has-azure-700-color has-text-color has-link-color wp-elements-d7ad47e4ec5c64a572f010f6f5a4e37c\" id=\"h-in-2025-our-specialist-claims-partner-sedgwick-paid\"><strong>In 2025, our specialist claims partner Sedgwick* paid:<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"has-azure-700-color has-text-color has-link-color has-medium-font-size wp-elements-6f7b60d49947be2a44cdb9a80a60511a wp-block-list-item\"><strong>\u00a3156,000 a day in claims on average<\/strong><\/li>\n\n\n\n<li class=\"has-azure-700-color has-text-color has-link-color has-medium-font-size wp-elements-16ae2f19182a86b05636c849ef0cf950 wp-block-list-item\"><strong>Over \u00a357 million in claims<\/strong><\/li>\n\n\n\n<li class=\"has-azure-700-color has-text-color has-link-color has-medium-font-size wp-elements-612ca8e2b05d024a2ee69382442d39cf wp-block-list-item\"><strong>Over 95 per cent of settled claims in 24 hours<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-xxs-font-size wp-elements-2896b2fd268f30b5906748172f4ce4b3 wp-block-paragraph\"><em>\u00a0*Our specialist partner Sedgwick pays claims on behalf of the insurer. The figures are rounded across our range of products. &#8216;Settled&#8217; covers paid claims (and excludes declined or withdrawn claims). Our claims process may vary for different products and operates on a \u2018claim by claim\u2019 basis.<\/em><\/p>\n\n\n\n<figure class=\"wp-block-image alignleft size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1500\" height=\"459\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/SEDGWICK@2x-scaled.png\" alt=\"\" class=\"wp-image-48700\" style=\"width:200px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/SEDGWICK@2x-scaled.png 1500w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/SEDGWICK@2x-scaled.png?resize=800,245 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/SEDGWICK@2x-scaled.png?resize=768,235 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/SEDGWICK@2x-scaled.png?resize=1024,313 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/SEDGWICK@2x-scaled.png?resize=150,46 150w\" sizes=\"auto, (max-width: 1500px) 100vw, 1500px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-white-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" id=\"rejected-claims\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--120);padding-bottom:var(--wp--preset--spacing--120)\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-a4fe827e wp-block-columns-is-layout-flex has-1-columns\" style=\"padding-bottom:var(--wp--preset--spacing--70)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center\" id=\"h-reasons-why-some-business-insurance-claims-are-rejected\">Reasons why some business insurance claims are rejected<\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Sometimes business insurance claims are rejected. Here are some of the common reasons why this might happen<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div style=\"border-width:1px;\" class=\"alignwide is-style-boxed wp-block-tenup-accordion has-border-color has-azure-500-border-color\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-3&quot;,&quot;contentId&quot;:&quot;tenup-accordion-3-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-3-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-3-content\" aria-expanded=\"false\" id=\"tenup-accordion-3-header\" class=\"tenup-uikit-container-2 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong>Missing documentation<\/strong>\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-3-header\" id=\"tenup-accordion-3-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">If your personal details details have changed, but you didn\u2019t let us know.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div style=\"border-width:1px;\" class=\"alignwide is-style-boxed wp-block-tenup-accordion has-border-color has-azure-500-border-color\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-5&quot;,&quot;contentId&quot;:&quot;tenup-accordion-5-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-5-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-5-content\" aria-expanded=\"false\" id=\"tenup-accordion-5-header\" class=\"tenup-uikit-container-4 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tPolicy exclusions\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-5-header\" id=\"tenup-accordion-5-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-azure-600-color\">Damage that you want to claim for has been caused by wear and tear or poor maintenance.<\/mark><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div style=\"border-width:1px;\" class=\"alignwide is-style-boxed wp-block-tenup-accordion has-border-color has-azure-500-border-color\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-7&quot;,&quot;contentId&quot;:&quot;tenup-accordion-7-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-7-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-7-content\" aria-expanded=\"false\" id=\"tenup-accordion-7-header\" class=\"tenup-uikit-container-6 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong>Inadequate coverage<\/strong>\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-7-header\" id=\"tenup-accordion-7-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">You\u2019re claiming for something that isn\u2019t covered by your policy. Remember to check your policy documents before making a claim as they include information about the types of incidents or events that are and aren\u2019t covered.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div style=\"border-width:1px;\" class=\"alignwide is-style-boxed wp-block-tenup-accordion has-border-color has-azure-500-border-color\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-9&quot;,&quot;contentId&quot;:&quot;tenup-accordion-9-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-9-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-9-content\" aria-expanded=\"false\" id=\"tenup-accordion-9-header\" class=\"tenup-uikit-container-8 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong>Violation of policy terms<\/strong>\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-9-header\" id=\"tenup-accordion-9-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">You\u2019ve breached the conditions laid out in your insurance policy.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div style=\"border-width:1px;\" class=\"alignwide is-style-boxed wp-block-tenup-accordion has-border-color has-azure-500-border-color\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-11&quot;,&quot;contentId&quot;:&quot;tenup-accordion-11-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-11-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-11-content\" aria-expanded=\"false\" id=\"tenup-accordion-11-header\" class=\"tenup-uikit-container-10 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong>Undisclosed Information<\/strong>\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-11-header\" id=\"tenup-accordion-11-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">You haven\u2019t told us something that would influence our decision to insure you, such as your previous claims history or your true number of employees.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" id=\"FAQs\" style=\"margin-top:var(--wp--preset--spacing--120);margin-bottom:var(--wp--preset--spacing--120)\">\n<h2 class=\"wp-block-heading has-text-align-center has-azure-700-color has-text-color has-link-color wp-elements-d2a2ddc2b02441f243c9537144e8f4e0\" id=\"h-frequently-asked-questions\">Frequently asked questions<\/h2>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-a457692a wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--90);margin-bottom:var(--wp--preset--spacing--90);padding-right:0;padding-left:0\">\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-13&quot;,&quot;contentId&quot;:&quot;tenup-accordion-13-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-13-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-13-content\" aria-expanded=\"false\" id=\"tenup-accordion-13-header\" class=\"tenup-uikit-container-12 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong>How do I know what I&#8217;m covered for?<\/strong>\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-13-header\" id=\"tenup-accordion-13-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">To make sure you\u2019re up to speed with how your insurance works and what you\u2019re covered for, read over your policy wording before starting a claim. Most claims will involve the payment of an excess which will be detailed in your documents.<br><br>For most policies, you can view your policy documents online through your <a href=\"https:\/\/quote.simplybusiness.co.uk\/manage_your_policy\" target=\"_blank\" rel=\"noreferrer noopener\">customer account<\/a>. Otherwise, please take a look at the documents we emailed to you when you bought your policy or made a change to your cover \u2013 one of these will contain your policy wording.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-15&quot;,&quot;contentId&quot;:&quot;tenup-accordion-15-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-15-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-15-content\" aria-expanded=\"false\" id=\"tenup-accordion-15-header\" class=\"tenup-uikit-container-14 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong>What documents do I need?<\/strong>\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-15-header\" id=\"tenup-accordion-15-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Depending on the circumstances of the claim you may need to provide supporting documents, such as receipts, photographs for damaged areas, or videos if possible.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-17&quot;,&quot;contentId&quot;:&quot;tenup-accordion-17-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-17-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-17-content\" aria-expanded=\"false\" id=\"tenup-accordion-17-header\" class=\"tenup-uikit-container-16 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong>Is it quicker to claim over the phone?<\/strong>\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-17-header\" id=\"tenup-accordion-17-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Completing our online claims form can save you time \u2013 it means we have the initial information and can get to work.<br><br>The claims team will then give you a call within two days after submitting the form. Remember to keep supporting documents close to hand.<br><br>If you need to make a claim in an emergency, it may be quicker to call our claims team at Sedgwick directly.<br><br>An emergency in this context could be anything that poses an immediate risk to people or the business property, or if operations will be severely interrupted as a result. For example, fire, flood, or utility failures.&nbsp;<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-19&quot;,&quot;contentId&quot;:&quot;tenup-accordion-19-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-19-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-19-content\" aria-expanded=\"false\" id=\"tenup-accordion-19-header\" class=\"tenup-uikit-container-18 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong>How long will my claim take?<\/strong>\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-19-header\" id=\"tenup-accordion-19-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">This can vary based on the complexity of the claim itself, but our aim is to progress your claim as swiftly as possible. The quicker you send us the information we need, the sooner we can process the claim.&nbsp;<br><br>There may be several parties involved in your claim, including professional claims handlers and loss adjusters. Claims handlers manage your claim from start to finish, while loss adjusters assess the amount you\u2019re claiming for.&nbsp;<br><br>To keep you updated on the progress of your claim, we\u2019ll be sure to contact you at regular intervals, giving you the opportunity to ask any questions. You can also check its progress using our claims tracker.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-21&quot;,&quot;contentId&quot;:&quot;tenup-accordion-21-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-21-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-21-content\" aria-expanded=\"false\" id=\"tenup-accordion-21-header\" class=\"tenup-uikit-container-20 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong>What is excess?<\/strong>\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-21-header\" id=\"tenup-accordion-21-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Insurance excess is an amount you have to pay towards the total cost of a claim. For example, you have a landlord insurance policy with an excess of \u00a3300. You want to claim \u00a32,000 to cover the cost of accidental damage . If the claim is accepted, you\u2019d pay \u00a3300 and your insurer would pay \u00a31,700 to cover the rest of the cost.<br><br>An excess is usually set by the insurer when you buy your policy and you typically have to pay an excess for each claim you make.&nbsp;<br><br>If the total cost of the claim is less than your excess, then you won\u2019t be able to make a claim.&nbsp;<br><br>Usually, you\u2019ll need to pay your excess at the start of the claims process. However, in some cases, the insurer may deduct the cost of the excess from the final claim amount you receive.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-23&quot;,&quot;contentId&quot;:&quot;tenup-accordion-23-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-23-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-23-content\" aria-expanded=\"false\" id=\"tenup-accordion-23-header\" class=\"tenup-uikit-container-22 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong>What if my claim is successful?<\/strong>\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-23-header\" id=\"tenup-accordion-23-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Most payments (either BACs or CHAPS) will be made within 24 working hours of a settlement. Should repair work be required, you can either use a supplier appointed by your insurer or a contractor of your choice.<br><br>Should you decide to use a supplier appointed by your insurer, they will carry out a cost schedule to agree the claim value before carrying out the work. You\u2019ll usually be required to pay the excess to the contractor and then organise a time for the work to be completed. In this situation, you won\u2019t receive a settlement.<br><br>If you use a contractor of your choice, you\u2019ll receive a settlement which you can use to pay for the work to be completed.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-25&quot;,&quot;contentId&quot;:&quot;tenup-accordion-25-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-25-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-25-content\" aria-expanded=\"false\" id=\"tenup-accordion-25-header\" class=\"tenup-uikit-container-24 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong><strong>What if I&#8217;m finding it difficult to understand this information?<\/strong><\/strong>\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-25-header\" id=\"tenup-accordion-25-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">We understand that claims can be complex and the process can feel overwhelming. It\u2019s important to us that you feel supported and that you understand all the relevant information. If anything is unclear, please call the claims team at Sedgwick and someone will be able to walk you through the process.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-27&quot;,&quot;contentId&quot;:&quot;tenup-accordion-27-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-27-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-27-content\" aria-expanded=\"false\" id=\"tenup-accordion-27-header\" class=\"tenup-uikit-container-26 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong><strong>What if I need someone to help me with my claim?<\/strong><\/strong>\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-27-header\" id=\"tenup-accordion-27-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">The claims team at Sedgwick is on hand to support you when you need to make a claim. The first step is to submit any information through the online claims portal. Sedgwick will then review your claim and get back to you. If you need extra help with submitting your claim then please give Sedgwick a call on 0333 207 0560 and someone will be able to help you.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-29&quot;,&quot;contentId&quot;:&quot;tenup-accordion-29-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-29-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-29-content\" aria-expanded=\"false\" id=\"tenup-accordion-29-header\" class=\"tenup-uikit-container-28 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong><strong>What if I need information in a different format?<\/strong><\/strong>\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-29-header\" id=\"tenup-accordion-29-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">We can provide all the information you need to know in a range of formats, so please just let us know how we can support you.&nbsp;<br><br>Examples of how we can help include providing dates in a written format, telephone support, large-font documents, and SMS updates.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" id=\"useful-articles\" style=\"margin-top:var(--wp--preset--spacing--140);margin-bottom:var(--wp--preset--spacing--140)\">\n<h2 class=\"wp-block-heading has-text-align-center has-azure-700-color has-text-color has-link-color wp-elements-e3981d2942e3596c05b802a86c418e74\" id=\"h-useful-articles-for-businesses\"><strong>Useful articles for businesses<\/strong><\/h2>\n\n\n\n<div class=\"wp-block-columns alignwide grid-articles-row is-layout-flex wp-container-core-columns-is-layout-29631ec9 wp-block-columns-is-layout-flex has-3-columns\" style=\"margin-top:var(--wp--preset--spacing--100);margin-bottom:var(--wp--preset--spacing--100)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<article class=\"wp-block-post post-33010 knowledge type-knowledge status-publish has-post-thumbnail hentry category-business-tax category-business-news alignwide card-knowledge card-knowledge--hero wp-block-tenup-post-picker\">\n\t\n\n<div class=\"has-shadow wp-block-group card-knowledge__card has-azure-200-background-color has-background has-link-color wp-elements-ac8137c39d640b1f784d5df2f62cc3f3 is-vertical is-layout-flex wp-container-core-group-is-layout-9e315920 wp-block-group-is-layout-flex wp-block-null\" style=\"box-shadow: 0 1px 2px 0 rgba(0, 0, 0, 0.05); border-style:none;border-width:0px;border-radius:10px;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-columns card-block is-layout-flex wp-container-core-columns-is-layout-65eef5bf wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column card-block__featured-image is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"543\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/02\/when-is-the-uk-tax-year.jpg?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A small business owner using a calculator to prepare for the tax year\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/02\/when-is-the-uk-tax-year.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/02\/when-is-the-uk-tax-year.jpg?resize=800,533 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/02\/when-is-the-uk-tax-year.jpg?resize=768,512 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/02\/when-is-the-uk-tax-year.jpg?resize=150,100 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50);flex-basis:50%\">\n<div class=\"wp-block-group has-full-height is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-7e003bba wp-block-group-is-layout-flex\"><div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\" class=\"taxonomy-category wp-block-post-terms has-xsmall-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/business-tax\/\" rel=\"tag\">Business tax<\/a><span class=\"wp-block-post-terms__separator\">, <\/span><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/business-news\/\" rel=\"tag\">Small business news<\/a><\/div>\n\n<h3 style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--20);\" class=\"has-link-color wp-elements-f5cd06e4ae29935b6ddd5d3fd8811ed0 wp-block-post-title has-text-color has-dark-800-color\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/business-tax\/tax-year-dates\/\" target=\"_self\" >Don\u2019t forget these key tax dates in 2026<\/a><\/h3>\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-c53a89c2 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-939d3073 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\"><div class=\"has-link-color wp-elements-22b599491ce3ba5f1cc80b7dfbe647e5 wp-block-post-date has-text-color has-taylor-300-color has-xxs-font-size\"><time datetime=\"2025-07-14T07:37:42+00:00\">14 July 2025<\/time><\/div>\n\n\n<p class=\"wp-elements-6d763f88d9ca3e6cf85a1baf597c4e38 wp-block-simply-business-post-time-to-read has-text-color has-taylor-300-color has-xxs-font-size\">6-minute read<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-co-authors-plus-coauthors is-layout-flow wp-block-co-authors-plus-coauthors-is-layout-flow\"><div class=\"wp-block-co-authors-plus-coauthor\"><div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex wp-block-null\"><div class=\"wp-block-co-authors-plus-avatar\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/kc_headshot.jpg?w=24\" width=\"24\" height=\"24\" sizes=\"auto, 24px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/kc_headshot.jpg?w=24 24w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/kc_headshot.jpg?w=48 48w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/08\/kc_headshot.jpg?w=96 96w\" style=\"border-radius:100px;\"\/><\/div><p style=\"line-height:1; margin-top:0;margin-bottom:0;\" class=\"wp-elements-320ebcd212ef5827d319cc61209babe5 wp-block-co-authors-plus-name has-text-color has-dark-800-color\">Rosanna Parrish<\/p><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<article class=\"wp-block-post post-1422 knowledge type-knowledge status-publish has-post-thumbnail hentry category-business-structure category-income category-trades alignwide card-knowledge card-knowledge--hero wp-block-tenup-post-picker\">\n\t\n\n<div class=\"has-shadow wp-block-group card-knowledge__card has-azure-200-background-color has-background has-link-color wp-elements-ac8137c39d640b1f784d5df2f62cc3f3 is-vertical is-layout-flex wp-container-core-group-is-layout-9e315920 wp-block-group-is-layout-flex wp-block-null\" style=\"box-shadow: 0 1px 2px 0 rgba(0, 0, 0, 0.05); border-style:none;border-width:0px;border-radius:10px;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-columns card-block is-layout-flex wp-container-core-columns-is-layout-65eef5bf wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column card-block__featured-image is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"544\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-to-calculate-profit-margin.jpg?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Two business people working together in an office\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-to-calculate-profit-margin.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-to-calculate-profit-margin.jpg?resize=800,534 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-to-calculate-profit-margin.jpg?resize=768,513 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/how-to-calculate-profit-margin.jpg?resize=150,100 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50);flex-basis:50%\">\n<div class=\"wp-block-group has-full-height is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-7e003bba wp-block-group-is-layout-flex\"><div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\" class=\"taxonomy-category wp-block-post-terms has-xsmall-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/business-structure\/\" rel=\"tag\">Business structure<\/a><span class=\"wp-block-post-terms__separator\">, <\/span><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/income\/\" rel=\"tag\">Income guides<\/a><span class=\"wp-block-post-terms__separator\">, <\/span><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/trades\/\" rel=\"tag\">Trades<\/a><\/div>\n\n<h3 style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--20);\" class=\"has-link-color wp-elements-f5cd06e4ae29935b6ddd5d3fd8811ed0 wp-block-post-title has-text-color has-dark-800-color\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/income\/how-to-calculate-profit-margin\/\" target=\"_self\" >How to work out profit margin \u2013 profit margin calculator<\/a><\/h3>\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-c53a89c2 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-939d3073 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\"><div class=\"has-link-color wp-elements-22b599491ce3ba5f1cc80b7dfbe647e5 wp-block-post-date has-text-color has-taylor-300-color has-xxs-font-size\"><time datetime=\"2025-07-10T08:32:55+00:00\">10 July 2025<\/time><\/div>\n\n\n<p class=\"wp-elements-6d763f88d9ca3e6cf85a1baf597c4e38 wp-block-simply-business-post-time-to-read has-text-color has-taylor-300-color has-xxs-font-size\">5-minute read<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-co-authors-plus-coauthors is-layout-flow wp-block-co-authors-plus-coauthors-is-layout-flow\"><div class=\"wp-block-co-authors-plus-coauthor\"><div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex wp-block-null\"><div class=\"wp-block-co-authors-plus-avatar\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Sam\u2013author.jpeg?w=24\" width=\"24\" height=\"24\" sizes=\"auto, 24px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Sam\u2013author.jpeg?w=24 24w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Sam\u2013author.jpeg?w=48 48w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Sam\u2013author.jpeg?w=96 96w\" style=\"border-radius:100px;\"\/><\/div><p style=\"line-height:1; margin-top:0;margin-bottom:0;\" class=\"wp-elements-320ebcd212ef5827d319cc61209babe5 wp-block-co-authors-plus-name has-text-color has-dark-800-color\">Sam Bromley<\/p><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<article class=\"wp-block-post post-1533 knowledge type-knowledge status-publish has-post-thumbnail hentry category-business-structure category-starting-out alignwide card-knowledge card-knowledge--hero wp-block-tenup-post-picker\">\n\t\n\n<div class=\"has-shadow wp-block-group card-knowledge__card has-azure-200-background-color has-background has-link-color wp-elements-ac8137c39d640b1f784d5df2f62cc3f3 is-vertical is-layout-flex wp-container-core-group-is-layout-9e315920 wp-block-group-is-layout-flex wp-block-null\" style=\"box-shadow: 0 1px 2px 0 rgba(0, 0, 0, 0.05); border-style:none;border-width:0px;border-radius:10px;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div class=\"wp-block-columns card-block is-layout-flex wp-container-core-columns-is-layout-65eef5bf wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column card-block__featured-image is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"660\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/AdobeStock_482404356-scaled.jpeg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A self-employed decorator plasters drywall in an empty house\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/AdobeStock_482404356-scaled.jpeg 1500w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/AdobeStock_482404356-scaled.jpeg?resize=800,516 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/AdobeStock_482404356-scaled.jpeg?resize=768,495 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/AdobeStock_482404356-scaled.jpeg?resize=1024,660 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/AdobeStock_482404356-scaled.jpeg?resize=150,97 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50);flex-basis:50%\">\n<div class=\"wp-block-group has-full-height is-vertical is-content-justification-stretch is-layout-flex wp-container-core-group-is-layout-7e003bba wp-block-group-is-layout-flex\"><div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:var(--wp--preset--spacing--20)\" class=\"taxonomy-category wp-block-post-terms has-xsmall-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/business-structure\/\" rel=\"tag\">Business structure<\/a><span class=\"wp-block-post-terms__separator\">, <\/span><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/starting-out\/\" rel=\"tag\">Starting out<\/a><\/div>\n\n<h3 style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--20);\" class=\"has-link-color wp-elements-f5cd06e4ae29935b6ddd5d3fd8811ed0 wp-block-post-title has-text-color has-dark-800-color\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/starting-out\/sole-trader-vs-self-employed\/\" target=\"_self\" >Sole trader vs self-employed \u2013 what\u2019s the difference?<\/a><\/h3>\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-c53a89c2 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-939d3073 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\"><div class=\"has-link-color wp-elements-22b599491ce3ba5f1cc80b7dfbe647e5 wp-block-post-date has-text-color has-taylor-300-color has-xxs-font-size\"><time datetime=\"2025-06-04T10:22:55+00:00\">4 June 2025<\/time><\/div>\n\n\n<p class=\"wp-elements-6d763f88d9ca3e6cf85a1baf597c4e38 wp-block-simply-business-post-time-to-read has-text-color has-taylor-300-color has-xxs-font-size\">6-minute read<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-co-authors-plus-coauthors is-layout-flow wp-block-co-authors-plus-coauthors-is-layout-flow\"><div class=\"wp-block-co-authors-plus-coauthor\"><div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-6c531013 wp-block-group-is-layout-flex wp-block-null\"><div class=\"wp-block-co-authors-plus-avatar\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/conor-shilling-author-image.jpeg?w=24\" width=\"24\" height=\"24\" sizes=\"auto, 24px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/conor-shilling-author-image.jpeg?w=24 24w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/conor-shilling-author-image.jpeg?w=48 48w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/conor-shilling-author-image.jpeg?w=96 96w\" style=\"border-radius:100px;\"\/><\/div><p style=\"line-height:1; margin-top:0;margin-bottom:0;\" class=\"wp-elements-320ebcd212ef5827d319cc61209babe5 wp-block-co-authors-plus-name has-text-color has-dark-800-color\">Conor Shilling<\/p><\/div><\/div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Making a business insurance claim We\u2019ll help you get back on track Business insurance claim What you\u2019ll need 4-step claims process Why are claims rejected? Before you get in touch Damage control Do what you can to stop further damage (if there is any) and reduce the risk of the claim getting worse. Check your [&hellip;]<\/p>\n","protected":false},"author":95,"featured_media":41235,"parent":467,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[],"sb_faq_schema":"","sb_phone":"","sb_header_url_text":"","sb_secondary_logo":0,"sb_secondary_logo_url":"","sb_show_primary_cta":true,"sb_primary_cta_text":"","sb_primary_cta_url":"","sb_show_secondary_cta":true,"sb_secondary_cta_text":"","sb_secondary_cta_url":"","sb_show_contact_cta":true,"sb_contact_cta_id":"nav_contact_cta","sb_primary_cta_id":"nav_primary_cta","sb_secondary_cta_id":"nav_secondary_cta","sb_no_sticky_header":false,"sb_show_last_updated_date":"","sb_enable_replacement_text":false,"sb_replacement_h1":"","_sb_hreflang_stale":false,"footnotes":"[]"},"hidden-category":[],"import-page-type":[],"coauthors":[399],"class_list":["post-41061","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Business insurance claims: how to make a claim Simply Business UK<\/title>\n<meta name=\"description\" content=\"Find out how to make a business insurance claim, either online or on the phone, and we&#039;ll help you get back on track.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.simplybusiness.co.uk\/insurance-claims\/business-claims\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Business insurance claims: how to make a claim Simply Business UK\" \/>\n<meta property=\"og:description\" content=\"Find out how to make a business insurance claim, either online or on the phone, and we&#039;ll help you get back on 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Remember to check your policy documents before making a claim as they include information about the types of incidents or events that are and aren\u2019t covered.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong&gt;Violation of policy terms&lt;\/strong&gt;\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You\u2019ve breached the conditions laid out in your insurance policy.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong&gt;Undisclosed Information&lt;\/strong&gt;\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"You haven\u2019t told us something that would influence our decision to insure you, such as your previous claims history or your true number of employees.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong&gt;How do I know what I&#039;m covered for?&lt;\/strong&gt;\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"To make sure you\u2019re up to speed with how your insurance works and what you\u2019re covered for, read over your policy wording before starting a claim. Most claims will involve the payment of an excess which will be detailed in your documents.For most policies, you can view your policy documents online through your customer account. Otherwise, please take a look at the documents we emailed to you when you bought your policy or made a change to your cover \u2013 one of these will contain your policy wording.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong&gt;What documents do I need?&lt;\/strong&gt;\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Depending on the circumstances of the claim you may need to provide supporting documents, such as receipts, photographs for damaged areas, or videos if possible.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong&gt;Is it quicker to claim over the phone?&lt;\/strong&gt;\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Completing our online claims form can save you time \u2013 it means we have the initial information and can get to work.The claims team will then give you a call within two days after submitting the form. Remember to keep supporting documents close to hand.If you need to make a claim in an emergency, it may be quicker to call our claims team at Sedgwick directly.An emergency in this context could be anything that poses an immediate risk to people or the business property, or if operations will be severely interrupted as a result. For example, fire, flood, or utility failures.&nbsp;\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong&gt;How long will my claim take?&lt;\/strong&gt;\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"This can vary based on the complexity of the claim itself, but our aim is to progress your claim as swiftly as possible. The quicker you send us the information we need, the sooner we can process the claim.&nbsp;There may be several parties involved in your claim, including professional claims handlers and loss adjusters. Claims handlers manage your claim from start to finish, while loss adjusters assess the amount you\u2019re claiming for.&nbsp;To keep you updated on the progress of your claim, we\u2019ll be sure to contact you at regular intervals, giving you the opportunity to ask any questions. You can also check its progress using our claims tracker.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong&gt;What is excess?&lt;\/strong&gt;\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Insurance excess is an amount you have to pay towards the total cost of a claim. For example, you have a landlord insurance policy with an excess of \u00a3300. You want to claim \u00a32,000 to cover the cost of accidental damage . If the claim is accepted, you\u2019d pay \u00a3300 and your insurer would pay \u00a31,700 to cover the rest of the cost.An excess is usually set by the insurer when you buy your policy and you typically have to pay an excess for each claim you make.&nbsp;If the total cost of the claim is less than your excess, then you won\u2019t be able to make a claim.&nbsp;Usually, you\u2019ll need to pay your excess at the start of the claims process. However, in some cases, the insurer may deduct the cost of the excess from the final claim amount you receive.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong&gt;What if my claim is successful?&lt;\/strong&gt;\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Most payments (either BACs or CHAPS) will be made within 24 working hours of a settlement. Should repair work be required, you can either use a supplier appointed by your insurer or a contractor of your choice.Should you decide to use a supplier appointed by your insurer, they will carry out a cost schedule to agree the claim value before carrying out the work. You\u2019ll usually be required to pay the excess to the contractor and then organise a time for the work to be completed. In this situation, you won\u2019t receive a settlement.If you use a contractor of your choice, you\u2019ll receive a settlement which you can use to pay for the work to be completed.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong&gt;&lt;strong&gt;What if I&#039;m finding it difficult to understand this information?&lt;\/strong&gt;&lt;\/strong&gt;\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"We understand that claims can be complex and the process can feel overwhelming. It\u2019s important to us that you feel supported and that you understand all the relevant information. 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Most claims will involve the payment of an excess which will be detailed in your documents.For most policies, you can view your policy documents online through your customer account. Otherwise, please take a look at the documents we emailed to you when you bought your policy or made a change to your cover \u2013 one of these will contain your policy wording."}},{"@type":"Question","name":"&lt;strong&gt;What documents do I need?&lt;\/strong&gt;","acceptedAnswer":{"@type":"Answer","text":"Depending on the circumstances of the claim you may need to provide supporting documents, such as receipts, photographs for damaged areas, or videos if possible."}},{"@type":"Question","name":"&lt;strong&gt;Is it quicker to claim over the phone?&lt;\/strong&gt;","acceptedAnswer":{"@type":"Answer","text":"Completing our online claims form can save you time \u2013 it means we have the initial information and can get to work.The claims team will then give you a call within two days after submitting the form. Remember to keep supporting documents close to hand.If you need to make a claim in an emergency, it may be quicker to call our claims team at Sedgwick directly.An emergency in this context could be anything that poses an immediate risk to people or the business property, or if operations will be severely interrupted as a result. For example, fire, flood, or utility failures.&nbsp;"}},{"@type":"Question","name":"&lt;strong&gt;How long will my claim take?&lt;\/strong&gt;","acceptedAnswer":{"@type":"Answer","text":"This can vary based on the complexity of the claim itself, but our aim is to progress your claim as swiftly as possible. The quicker you send us the information we need, the sooner we can process the claim.&nbsp;There may be several parties involved in your claim, including professional claims handlers and loss adjusters. Claims handlers manage your claim from start to finish, while loss adjusters assess the amount you\u2019re claiming for.&nbsp;To keep you updated on the progress of your claim, we\u2019ll be sure to contact you at regular intervals, giving you the opportunity to ask any questions. You can also check its progress using our claims tracker."}},{"@type":"Question","name":"&lt;strong&gt;What is excess?&lt;\/strong&gt;","acceptedAnswer":{"@type":"Answer","text":"Insurance excess is an amount you have to pay towards the total cost of a claim. For example, you have a landlord insurance policy with an excess of \u00a3300. You want to claim \u00a32,000 to cover the cost of accidental damage . If the claim is accepted, you\u2019d pay \u00a3300 and your insurer would pay \u00a31,700 to cover the rest of the cost.An excess is usually set by the insurer when you buy your policy and you typically have to pay an excess for each claim you make.&nbsp;If the total cost of the claim is less than your excess, then you won\u2019t be able to make a claim.&nbsp;Usually, you\u2019ll need to pay your excess at the start of the claims process. However, in some cases, the insurer may deduct the cost of the excess from the final claim amount you receive."}},{"@type":"Question","name":"&lt;strong&gt;What if my claim is successful?&lt;\/strong&gt;","acceptedAnswer":{"@type":"Answer","text":"Most payments (either BACs or CHAPS) will be made within 24 working hours of a settlement. Should repair work be required, you can either use a supplier appointed by your insurer or a contractor of your choice.Should you decide to use a supplier appointed by your insurer, they will carry out a cost schedule to agree the claim value before carrying out the work. You\u2019ll usually be required to pay the excess to the contractor and then organise a time for the work to be completed. In this situation, you won\u2019t receive a settlement.If you use a contractor of your choice, you\u2019ll receive a settlement which you can use to pay for the work to be completed."}},{"@type":"Question","name":"&lt;strong&gt;&lt;strong&gt;What if I&#039;m finding it difficult to understand this information?&lt;\/strong&gt;&lt;\/strong&gt;","acceptedAnswer":{"@type":"Answer","text":"We understand that claims can be complex and the process can feel overwhelming. It\u2019s important to us that you feel supported and that you understand all the relevant information. If anything is unclear, please call the claims team at Sedgwick and someone will be able to walk you through the process."}},{"@type":"Question","name":"&lt;strong&gt;&lt;strong&gt;What if I need someone to help me with my claim?&lt;\/strong&gt;&lt;\/strong&gt;","acceptedAnswer":{"@type":"Answer","text":"The claims team at Sedgwick is on hand to support you when you need to make a claim. The first step is to submit any information through the online claims portal. Sedgwick will then review your claim and get back to you. If you need extra help with submitting your claim then please give Sedgwick a call on 0333 207 0560 and someone will be able to help you."}},{"@type":"Question","name":"&lt;strong&gt;&lt;strong&gt;What if I need information in a different format?&lt;\/strong&gt;&lt;\/strong&gt;","acceptedAnswer":{"@type":"Answer","text":"We can provide all the information you need to know in a range of formats, so please just let us know how we can support you.&nbsp;Examples of how we can help include providing dates in a written format, telephone support, large-font documents, and SMS updates."}}]},{"@type":"PostalAddress","@id":"https:\/\/www.simplybusiness.co.uk\/insurance-claims\/business-claims\/#local-main-place-address","streetAddress":"Hylo, 105 Bunhill Row","addressLocality":"London","postalCode":"EC1Y 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